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Mini Cooper insurance rates

Average Mini Cooper insurance cost: $152. But how low can your rates go? See our sample quotes.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Mini Cooper is $152.30 — or $1,827.57 a year. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Mini Cooper$94.74$89.82$150.16$147.92$120.66
2016 Mini Cooper$122.41$106.02$170.10$162.97$140.38
2021 Mini Cooper$103.74$125.61$191.74$188.10$152.30

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Smartfinancial
Smartfinancial
Yes
Yes
No
All 50 states and DC
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
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About the Mini Cooper

The Mini Cooper has been around since 1961. The subcompact car is known for its sporty handling, turbocharged engines and upscale interior.

In 2003, the Mini Cooper was named the North American Car of the Year. In 2012, there were more than 300,000 Mini cars sold throughout the world and the largest market was the United States, which had more than 66,000 sales.

Today, there are over 100 Mini dealerships scattered across the US and four unique Mini financing and leasing programs to help get you behind the wheel.

Mini Cooper money-saving safety features

You could save money on car insurance for your Mini Cooper if it comes equipped with these safety features.

  • Antilock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Antitheft system

Special savings with Liberty Mutual

Since Mini currently has a partnership with Liberty Mutual, you may be able to get special savings on your premium and additional coverage options, such as:

  • Genuine Mini replacement parts
  • Towing back to the nearest Mini dealership
  • Accident forgiveness
  • 24-hour claims service

How safe is the Mini Cooper?

The 2017 Mini Cooper was named a Top Safety Pick car by the Insurance Institute for Highway Safety (IIHS). The IIHS gave good ratings, highest possible rating, to all crash tests.

The National Highway Traffic Safety Administration (NHTSA) awarded the Mini Cooper with a 4-Star Overall Safety Rating. The NHTSA also gave the Mini Cooper four out of five stars on all crash tests.

In 2017, the National Insurance Crime Bureau ranked the Mini Cooper as number nine in their list of the Top 10 Least Stolen Used Cars.

How does the Mini Cooper compare to other car models?

From a price standpoint, the Mini Cooper ranks right in the middle of our list of the 360 priciest car models to insure.

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